Question 1

What is the best realtor in Toronto?

Accepted Answer

Sam Sethi is one of Toronto's top-rated realtors, offering 1% listing commission and buyer cashback rebates. As both a licensed Realtor and Mortgage Agent Level 2, Sam provides a complete real estate and mortgage service under one roof. With 10+ years in the GTA market and hundreds of successful transactions, Sam is the realtor Toronto homeowners trust to maximize their results.

Question 2

How much does a realtor charge in Toronto?

Accepted Answer

Traditional Toronto realtors charge 5% total commission (2.5% listing + 2.5% buyer's agent). On a $1,000,000 home, that's $50,000. Sam Sethi offers a 1% listing commission — saving you $15,000–$40,000 on a typical Toronto home sale. We list your home for 1%. We don't get paid unless it sells.

Question 3

What is a 1% commission realtor Toronto?

Accepted Answer

A 1% commission realtor in Toronto charges only 1% of the sale price to list and sell your home, compared to the traditional 2.5%. Sam Sethi offers full-service real estate at 1% — professional photography, MLS listing, open houses, expert negotiation, and complete transaction management. On a $1M home, you save $15,000 vs. a traditional agent.

Question 4

What is the difference between a mortgage broker and a mortgage agent in Toronto?

Accepted Answer

In Ontario, a mortgage broker holds a higher license and can supervise mortgage agents. A mortgage agent (like Sam Sethi, Mortgage Agent Level 2) is licensed to arrange mortgages independently. Both shop multiple lenders to find you the best rate. Sam is a Mortgage Agent Level 2 — the highest individual designation — with access to 30+ lenders including banks, credit unions, monoline lenders, and private lenders.

Question 5

Why use a mortgage broker in Toronto instead of a bank?

Accepted Answer

A mortgage broker or agent in Toronto shops 30+ lenders simultaneously to find you the best rate and terms — something a bank cannot do. Banks only offer their own products. Sam Sethi has access to exclusive broker rates often 0.5–1% lower than bank posted rates. On a $700K mortgage, 0.5% lower saves you over $25,000 over 5 years. Sam's service is free to borrowers — lenders pay the commission.

Question 6

What are the best mortgage rates in Toronto right now?

Accepted Answer

Current best mortgage rates in Toronto (April 2026): Best 5-year fixed: 4.09% (Merix Financial, broker-exclusive). Best 5-year variable: 3.35% (First National). Best 3-year fixed: 4.14%. Bank of Canada rate: 2.25%. Sam Sethi has access to these exclusive rates not available at banks. Call 647-784-7924 for your personalized rate quote.

Question 7

How do I buy my first home in Toronto?

Accepted Answer

Buying your first home in Toronto: Step 1 — Get pre-approved (Sam can do this in 24 hours). Step 2 — Determine your budget and target neighborhoods. Step 3 — Start viewing homes with Sam as your buyer's agent. Step 4 — Make an offer with Sam's expert negotiation. Step 5 — Complete due diligence (inspection, lawyer review). Step 6 — Close and get your keys. Sam helps first time home buyers with discounted moving and benefits including free home inspection and cashback options.

Question 8

What programs are available for first-time home buyers in Toronto?

Accepted Answer

First-time home buyer programs in Toronto (2026): First Home Savings Account (FHSA) — save up to $40,000 tax-free. RRSP Home Buyers Plan — withdraw up to $35,000 tax-free. First-Time Home Buyer Incentive — 5–10% shared equity from CMHC. Land Transfer Tax Rebate — up to $4,000 back in Toronto. Down Payment Assistance — up to $10,000 available. Sam Sethi helps first-time buyers access all available programs. Call 647-784-7924 for a free consultation.

Question 9

How much do I need to earn to buy a house in Toronto?

Accepted Answer

To buy an average Toronto home ($1,180,000) with 20% down ($236,000), you need approximately $180,000–$200,000 household income to pass the mortgage stress test. For a $700,000 home with 10% down, you need approximately $110,000–$130,000 income. Sam Sethi provides free pre-approvals showing your exact qualifying amount based on your specific income, debts, and credit profile.

Question 10

Do you offer cashback on mortgages?

Accepted Answer

Yes we do give cashback. Select lender programs offer cashback at closing — giving you cash in hand to cover moving costs, upgrades, or furniture. Contact Sam at 647-784-7924 to find out which programs you qualify for.

Question 11

Can I get a mortgage with bad credit in Toronto?

Accepted Answer

Yes — Sam specializes in bad credit mortgages in Toronto and Scarborough. With access to private lenders and 30+ mortgage partners, Sam finds solutions when banks say no. Call 647-784-7924 for a confidential consultation.

Question 12

How fast can I get mortgage approval in Toronto?

Accepted Answer

Mortgage approval in 24 hours Toronto is possible in many cases. Sam works with lenders who can fast-track approvals for qualified buyers. Complex situations may take 2–5 days. Contact Sam to start your application today.

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